A revolutionary down payment assistance solution that transforms your monthly electric bill into equity.
A Down Payment Program Powered by Lowtility
Unlock Hidden Home Buying Power Without Raising Your Monthly Costs
What if your electric bill could help you buy a home?
This downpayment assistance program turns your future energy savings into instant buying power — helping you cover your down payment without paying out of pocket.
This is smart homeownership made simple, sustainable, and affordable.
THE MISSION
Take people off the grid and turn that energy savings into
buying power for a smarter, more sustainable homeownership journey.
Smart Start is the builder and agent-friendly gateway to using the Grid to Green down payment assistance program.
It's the easy button to:
1
Get Prequalified for the DPA
We’ll collect a few details about your income, credit, and target purchase price to determine what you qualify for — no obligations, no hard credit pull upfront.
2
Choose Your Path
Once you're pre-approved, you can decide how to use your Grid to Green™ benefit:
3
Find Your Home & Lock it In
When you find the right home within your approved price range, we finalize the paperwork and your Grid to Green funds are applied at closing — simple as that.
Why Buyers Love It
✅
$0 Down Payment
No cash needed upfront.
✅
Lower Monthly Payments
Choose a rate buy-down instead.
✅
Fast & Easy Approvals
No red tape, just results
What others are saying
“We thought homeownership was years away…”
"…but Grid to Green made it happen
now. We didn’t have a down payment saved, and rent was getting more expensive every month. This program covered our down payment and made the process SO smooth. We’re now in our dream home, paying less than we were for rent!"
- Jordan & Maya R.
"Our builder recommended Grid to Green and we’re so glad they did."
"We were first-time buyers with no clue where to start. This program walked us through every step and gave us the boost we needed to qualify. The team handled the paperwork, explained everything clearly, and made buying a home actually enjoyable."
- Samantha D.
“We went solar
and bought a home with zero down.”
"I didn’t even know it was possible to roll energy upgrades into a mortgage. Grid to Green helped us qualify for a home and add solar panels, without paying anything upfront. Our utility bill is basically gone, and the mortgage is still affordable. Total win."
- Carlos & Elena M.
Please fill out the survey below to proceed:
Curious If Grid to Green DPA good for you?
After you submit your answers, a Finance Specialist will follow up with personalized results tailored to your responses.
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© 2025 Lowtility. All Rights Reserved.
Lowtility is the name of a suite of mortgage loan programs designed to allow qualified borrowers to make home energy improvements to their home. It is not affiliated with a utility company or a DBA. Primary Residential Mortgage, Inc. NMLS#: 919520 Utah DRE Mortgage Office License # 8335595. MLO 0117736. MC3094-122. All loans subject to credit and property approval. PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. 1165 East Wilmington Avenue, Suite 250 Salt Lake City, UT 84106
